TOP CREDIT CARDS
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Credit card bill payment hurdles; startup funding logs slight uptick
Happy Friday! The central bank has mandated credit card bill payments through Bharat Bill Payment System (BBPS), but only eight of 34 banks are live on the network, causing concern among payment companies. This and more in today’s ETtech Morning Dispatch.
![Top startup & tech stories this week](https://img.etimg.com/thumb/msid-111010613,width-100,height-75,resizemode-4/tech/newsletters/ettech-unwrapped/top-startup-tech-stories-this-week.jpg)
Top startup & tech stories this week
Welcome to a brand new edition of ETtech Unwrapped – our weekend newsletter. The week was packed with important stories broken by our reporters. Here’s a recap if you missed them.
![UPI integration gives a fillip to RuPay credit cards distribution](https://img.etimg.com/thumb/msid-110948248,width-100,height-75,resizemode-4/tech/technology/upi-integration-gives-a-fillip-to-rupay-credit-cards-distribution.jpg)
UPI integration gives a fillip to RuPay credit cards distribution
RuPay credit cards are seeing a growth in usage after linking with UPI, with its issuance at 30%, up from a mere 5% in 2022-23. The shift towards UPI-based credit cards on third-party apps like Google Pay and PhonePe poses a challenge for banks, raising concerns about customer retention and cross-selling. Fintech startup Fibe, led by Ashish Goyal, foresees a potential share struggle among top UPI apps.
![UPI boosts RuPay market share; cost pressure for gaming firms](https://img.etimg.com/thumb/msid-110952722,width-100,height-75,resizemode-4/tech/newsletters/morning-dispatch/upi-bumps-up-rupay-market-share-cost-pressure-for-gaming-firms.jpg)
UPI boosts RuPay market share; cost pressure for gaming firms
Happy Thursday! The integration of UPI with RuPay credit cards has pushed up new issuances but transaction growth hasn’t kept up. This and more in today's ETtech Morning Dispatch.
![4 easy ways to repay a huge credit card bill](https://img.etimg.com/thumb/msid-110761255,width-100,height-75,resizemode-4/wealth/spend/4-easy-ways-to-repay-a-huge-credit-card-bill.jpg)
4 easy ways to repay a huge credit card bill
Credit cards can be a useful tool for financial management, but overspending can lead to challenging debts. Here are tips to efficiently pay credit card bills.
![Credit cards for international airport lounge access of HDFC Bank, Axis Bank, Yes Bank: Complimentary lounge access, other benefits](https://img.etimg.com/thumb/msid-110735811,width-100,height-75,resizemode-4/wealth/spend/credit-cards-for-international-lounge-access-of-hdfc-bank-axis-bank-yes-bank-complimentary-lounge-access-other-benefits.jpg)
Credit cards for international airport lounge access of HDFC Bank, Axis Bank, Yes Bank: Complimentary lounge access, other benefits
Top airport lounge credit cards: The credit cards listed below offer considerable number of complimentary visits to international as well as domestic airport lounges, along with other travel and lifestyle benefits
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Late payment fees of top credit cards with airport lounge access compared: SBI Card, HDFC Bank, ICICI Bank, HSBC
Late payment of credit cards: Here is what top banks' credit cards with airport lounge access, such as SBI, ICICI Bank, HDFC Bank, and HSBC, are charging as late payment fees.
Top credit cards for international travel with maximum savings, complimentary airport lounge access and more
Before choosing a credit card for international travel, you must check whether the services offered come with global acceptance. For example, if a card offers complimentary hotel memberships, you must ensure that the benefit is applicable globally. Apart from the travel benefits, you must check if the rewards program and other features also align with your spending patterns. The list given below shows credit cards that can help users avail considerable savings on international travel through a low forex mark-up fee, complimentary international airport lounge access, hotel memberships and other benefits. (Source: Paisabazaar. All card information is sourced from the card provider website as of March 11, 2024.)
New credit card rules, changes in May 2024: These 4 banks have revised their credit card rules
Credit card customers should be aware of the changes and make sure to follow the latest fee and guidelines set by the bank or credit card company. The top banks that have revised their credit card rules this month are Bank of Baroda, Yes Bank, IDBI Bank, and HDFC Bank.
Swiggy HDFC Bank Credit Card revised cashback structure effective from June 21, 2024
Swiggy HDFC Bank Credit Card: According to news reports, HDFC Bank has updated the cashback system of one of its most popular credit cards, the Swiggy HDFC Bank Credit Card. The new cashback structure is effective June 21, 2024.
New PoS deployment grows at slowest pace since demonetisation: RBI data
Industry insiders told us that while new PoS terminals are still being deployed, it’s mostly in organised and large format retail, which offer all payment forms. However, grocery shops, smaller stores and eateries are tilting towards QR code-based UPI transactions.
Top travel credit cards with most value-back: Airport lounge access, discounts on airfare, business class vouchers, rewards
Top travel credit cards: Here are some of the top banks' travel credit cards providing significant value-back on travel spends. Some of these cards are co-branded with popular travel portals or airlines while others offer general travel benefits.
Rewards credit cards with most value-back potential: SBI Card, HDFC Bank, Axis Bank, IDFC First Bank, American Express
Listed below are the best rewards credit cards in India, chosen basis their reward earning rate, redemption value and overall value-back potential across multiple spending categories.
RuPay debit, credit card: This RuPay card will get you up to Rs 3,000 cashback in every transaction in these countries
RuPay-JCB debit and credit card customers can now get a 25% cashback on in-store purchases in eight countries. This is a limited-period offer. When can you avail of this offer? On which transactions this cashback offer will be available? Who will be eligible for this cashback? All your questions are answered.
SBI Card MILES credit cards with three variants launched: 7 must-know features like annual fees, airport lounge access, rewards, miles
SBI Card MILES credit cards: SBI Card has launched three variants of its first travel-focused core credit card, ‘SBI Card MILES’ with curated travel benefits. The three variants, SBI Card MILES ELITE, SBI Card MILES PRIME, and SBI Card MILES.
Credit cards with all-round benefits can help maximise savings: Top cards of HDFC Bank, Axis Bank, SBI Card, IDFC FIRST Bank
Top all-round credit cards: By choosing an all-round credit card, users can enjoy various benefits and maximize their savings on a range of purchases. Here is a look at credit cards with the best all-round benefits chosen basis the overall value offered by a card across multiple categories like shopping, dining, travel, movies and more.
Credit card rule change: Utility bill payments made with YES Bank and IDFC First Bank credit cards to get costlier from May 1, 2024
Yes Bank and IDFC FIRST Bank credit card customers will have to pay a higher amount as fees for paying utility bills. Here is a look at the changed fee structure effective from May 1, 2024.
RuPay credit cards of HDFC Bank, Axis Bank, IDFC FIRST Bank, SBI Card: Cashback, annual fee, discounts
The RuPay credit card was launched in 2017 and these enable secured payments for purchasing goods and services at merchant locations in India as well as abroad. Given below are the top credit cards available on the Rupay network chosen basis the overall value back they offer in their respective spending category.
Forex card update: You can instantly load your forex card through this app during international trips; check details
Facing a cash crunch while travelling? BookMyForex app offers a solution — you can instantly load your forex card. Simply log in, select your BookMyForex card, and request a real-time top-up with your desired foreign currency. The process is quick and convenient, ensuring you have access to money whenever you need it during your international trip.
Top banks' co-branded credit cards: Cashback offers, fuel surcharge waiver, discounts, freebies, annual fee
Top co-branded credit cards: Banks and other credit card issuers offer credit cards in collaboration with popular brands across different segments. Let us look at the top banks' co-branded credit cards across different spending categories such as shopping, dining, travel, movies, fuel and more.
Paying gas, electricity, and other utility bills using YES Bank credit card to get costlier from May 1, 2024
YES Bank has revised certain features available on all its credit cards except its premium card variant-private. Further experts say that YES Bank is the first bank in India to impose a 1% extra charge on all utility bill payments via credit cards. A utility bill payment can comprise of paying bills for gas, water, electricity, etc.
New ICICI Bank Credit Card rules: ICICI Bank to change airport lounge access benefits, reward points rules for these 21 credit cards
ICICI Bank credit card rules: ICICI Bank is set to implement changes to the airport lounge access benefits across several of its credit cards starting from April 1, 2024.
Top credit cards for international travel: Interest-free cash withdrawal, complimentary airport lounge access
Top credit cards for international travel: The list given below shows credit cards that can help users avail considerable savings on international travel through a low forex mark-up fee, complimentary international airport lounge access, hotel memberships and other benefits.
ICICI Bank credit card charges effective from March 1, 2024
ICICI Bank credit card charges March 2024: ICICI Bank has updated its fee, charges on their different types of credit cards which are applicable from March 1, 2024. The cards will have the same pricing; irrespective of the network variant opted for, unless stated otherwise.
Top banks' credit cards with low annual fee
Credit cards with low annual fees: Listed below are the top banks' low annual fee credit cards which are chosen basis the overall value-back they offer in the form of reward points, cashback, discount, etc. across different spending categories.
Top banks' luxury credit cards: Annual fees, benefits, reward points
The list below shows some of the most popular luxury credit cards that offer significant value to the users across multiple categories.
HDFC Bank launches 4 new credit cards: Eligibility, fees and charges, features
HDFC Bank has launched new credit cards for self-employed. The four credit cards are BizFirst, BizGrow, BizPower, and BizBlack, as per an HDFC Bank press release issued on February 6, 2024.
Top hotel credit cards: Annual fees, free stays, complimentary memberships, hotel loyalty programs & more
Top hotel credit cards in India: The list comprises both premium cards and low-annual-fee cards offering hotel benefits such as free stays, complimentary memberships and additional benefits that help users save on their hotel expenses.
Top entry-level credit cards with low annual fees: Key features, cashback, reward points
Entry-level credit cards often have a minimal yearly cost and offer straightforward advantages like reward points or money. Here is a look at top entry-level credits.
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